Terms and Conditions

Welcome to Nytubuo. These Terms and Conditions govern your use of our personal financial consulting services and website. By accessing or using our services, you agree to be bound by these terms. Please read them carefully.

1. Acceptance of Terms

By accessing or using Nytubuo's services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you must not use our services.

2. Service Description

Nytubuo provides personal financial consulting services, including but not limited to financial planning, investment advice, budget management, and financial education. Our services are informational and advisory in nature.

3. User Obligations

As a user of Nytubuo services, you agree to:

• Provide accurate, current, and complete information when using our services
• Maintain the confidentiality of your account credentials
• Be solely responsible for all activities that occur under your account
• Promptly notify us of any unauthorized use of your account
• Use our services only for lawful purposes and in accordance with these Terms
• Not engage in any activity that interferes with or disrupts our services
• Not attempt to gain unauthorized access to any part of our services

4. Service Limitations

While we strive to provide accurate and helpful financial advice, you acknowledge that:

• Our services do not guarantee financial success or specific outcomes
• Financial markets and conditions are inherently unpredictable
• We may modify, suspend, or discontinue any aspect of our services at any time
• We reserve the right to impose limits on certain features or restrict access to parts of our services
• Service availability may be affected by maintenance, upgrades, or factors beyond our control

Our financial advice is based on the information you provide and general market conditions. Individual results may vary significantly.

5. Intellectual Property

All content, features, and functionality of Nytubuo services, including but not limited to text, graphics, logos, icons, images, audio clips, digital downloads, data compilations, software, and the compilation thereof, are the exclusive property of Nytubuo or its licensors and are protected by copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any materials from our services without our prior written consent, except for:

• Your computer temporarily storing copies of such materials in RAM
• Storing files that are automatically cached by your web browser
• Printing or downloading one copy of a reasonable number of pages for personal, non-commercial use

6. Liability Limitations

To the maximum extent permitted by law, Nytubuo and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, or goodwill, resulting from your access to or use of our services.

In no event shall our total liability to you for all claims arising from or relating to these Terms or your use of our services exceed the amount paid by you, if any, for accessing our services during the twelve (12) months preceding the claim.

You specifically acknowledge that Nytubuo shall not be liable for user content or the defamatory, offensive, or illegal conduct of any third party, and that the risk of harm or damage from such content or conduct rests entirely with you.

7. Indemnification

You agree to defend, indemnify, and hold harmless Nytubuo and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees and costs, arising out of or in any way connected with your access to or use of our services, your violation of these Terms, or your violation of any rights of another.

8. Dispute Resolution

Any dispute arising from or relating to these Terms or our services shall be resolved through the following process:

• Informal Negotiation: We encourage you to contact us first to seek an informal resolution to any disputes.
• Mediation: If informal negotiation is unsuccessful, the parties agree to engage in mediation with a mutually agreed-upon mediator.
• Arbitration: If mediation fails, any controversy or claim shall be settled by binding arbitration in accordance with commercial arbitration rules. The arbitration shall take place in the jurisdiction of our primary business location.

You agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action. If for any reason a claim proceeds in court rather than in arbitration, both parties waive any right to a jury trial.

9. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction where Nytubuo is registered, without regard to its conflict of law provisions.

10. Modifications to Terms

Nytubuo reserves the right to modify these Terms at any time. We will provide notice of significant changes by posting the updated Terms on our website. Your continued use of our services after such modifications constitutes your acceptance of the updated Terms.

11. Termination

We may terminate or suspend your access to our services immediately, without prior notice or liability, for any reason, including, without limitation, if you breach these Terms. Upon termination, your right to use our services will immediately cease.

12. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that the Terms will otherwise remain in full force and effect and enforceable.